Citibank, N.A., Las Vegas, Nevada and Citibank Overseas Investment Corporation, New Castle, Delaware, pursuant to Section 211.9(f) of Regulation K, to make an additional investment in Banco de Chile.

Newspaper:

Not applicable

Federal Register:

Not applicable

MANUFACTURERS AND TRADERS TRUST COMPANY

* Branch

Manufacturers and Traders Trust Company, Buffalo, New York, to establish a branch office located at 410 Meadow Creek Drive, Westminster, Carroll County, Maryland.

Newspaper:

05/24/2009

Federal Register:

Not applicable

MORGAN STANLEY

* 4c8

Morgan Stanley, New York, New York, to acquire up to 9.9 percent of the outstanding common stock of United Western Bancorp, Inc., and its subsidiary, United Western Bank, both of Denver, Colorado, pursuant to Section 4(c)(8) and 4(j) of the BHC Act of 1956, as amended, and Section 225.24 of Regulation Y.

Newspaper:

06/04/2009

Federal Register:

05/26/2009

Availability of CRA Public Evaluations

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA: